Pay vs Performance Disclosure, Table

Pay Versus Performance

As required by Section 953(a) of the Dodd-Frank Act and Item 402(v) of Regulation S-K, we are providing the following information about executive compensation and the Company’s performance for the fiscal years listed below. The compensation information presented in this table is calculated in accordance with SEC rules and related guidance; it may be different from the compensation information presented in the Compensation Discussion and Analysis section of this proxy statement and does not represent amounts actually earned or realized by our NEOs. For more information about how we align executive compensation with the Company’s performance, see the Compensation Discussion and Analysis section of this proxy statement.

Pay Versus Performance Table


	Summary Compensation Table Total(1)		Compensation Actually Paid(1)(2)				Value of Initial Fixed $100 Investment Based on:
Year	PEO Al Kelly ($)	PEO Ryan McInerney ($)	PEO Al Kelly ($)	PEO Ryan McInerney ($)	Average Summary Compensation Table Total for Non-PEO NEOs(1) ($)	Average Compensation Actually Paid to Non-PEO NEOs(1)(3) ($)	Total Shareholder Return ($)	Peer Group Total Shareholder Return(4) ($)	Net Income(5) ($) (M)	EPS – PS Adjusted(6) ($)
2025	—	31,560,660	—	55,819,305	14,546,017	27,037,841	176.94	245.77	20,058	11.37
2024	—	25,999,293	—	37,464,375	13,545,507	21,219,922	141.51	203.54	19,743	9.98
2023	29,722,432	22,604,568	52,828,948	37,908,528	15,438,306	22,986,618	117.24	146.42	17,273	8.66
2022	28,103,602	—	19,999,309	—	14,336,181	11,163,702	89.99	131.04	14,957	7.48
2021	30,944,838	—	49,033,170	—	14,676,296	22,427,602	112.05	159.13	12,311	5.90

Company Selected Measure Name

EPS - PS adjusted

Named Executive Officers, Footnote

Mr. McInerney was appointed as the Company’s Chief Executive Officer (i.e., principal executive officer or PEO) effective February 1, 2023, succeeding Mr. Kelly. For 2025, the Company’s non-PEO NEOs were Mr. Suh, Mr. Taneja, Ms. Mahon Tullier, and Mr. Fabara. For 2024, the Company’s non-PEO NEOs were Mr. Suh, Mr. Taneja, Ms. Mahon Tullier, Mr. Fabara, and Mr. Kelly. For 2023, the Company’s non-PEO NEOs were Vasant Prabhu, Mr. Suh, Mr. Taneja, Ms. Mahon Tullier, and Mr. Fabara. For 2022 and 2021, the Company’s non-PEO NEOs were Mr. Prabhu, Mr. McInerney, Mr. Taneja, and Ms. Mahon Tullier.

Peer Group Issuers, Footnote

The peer group for this purpose is the S&P 500 Financials Index used for purposes of Item 201(e) of Regulation S-K. The comparison assumes $100 was invested for the period starting September 30, 2020, through the end of the listed year in the Company and in the S&P 500 Financials Index, respectively, and that all dividends were reinvested. Historical stock performance is not necessarily indicative of future stock performance.

Adjustment To PEO Compensation, Footnote

The amounts reported for Mr. Kelly and Mr. McInerney represent the amount of “compensation actually paid,” as computed in accordance with Item 402(v) of Regulation S-K. In accordance with the requirements of Item 402(v) of Regulation S-K, the adjustments in the table below were made to Mr. McInerney’s total compensation for 2025 to determine the compensation actually paid. Please refer to the Pay Versus Performance section in our proxy statement filed December 9, 2024 for a description of the adjustments for 2024 and the Pay Versus Performance section in our proxy statement filed December 7, 2023 for a description of the adjustments for 2023, 2022, and 2021.


			PEO
			2025 ($)
Summary Compensation Table Total			31,560,660
Deduction for change in the Actuarial Present Values reported under the “Change in Pension Value and Non-qualified Deferred Compensation Earnings” Column of the Summary Compensation Table for Fiscal Year 2025 (SCT)			(20,632)
Deduction for Amounts Reported under the “Stock Awards” Column in the SCT			(18,723,306)
Deduction for Amounts Reported under the “Option Awards” Column in the SCT			(5,687,509)
Total Deductions from SCT			(24,431,447)
Increase for Service Cost and Prior Service Cost for Pension Plans			–
Increase for change in Fair Value from prior year end to vesting date of awards that vested during the year			6,761,821
Increase for change in Fair Value from prior year end to current year end of awards granted prior to year that were outstanding and unvested as of year end			11,048,135
Increase for Fair Value as of vesting date of awards granted and vested during the year			–
Increase for Fair Value of awards as of year end granted during year that remain outstanding and unvested as of year end			30,880,136
Total Adjustments			48,690,092
Compensation Actually Paid (SCT minus deductions plus total adjustments)			55,819,305

Non-PEO NEO Average Total Compensation Amount

$ 14,546,017

$ 13,545,507

$ 15,438,306

$ 14,336,181

$ 14,676,296

Non-PEO NEO Average Compensation Actually Paid Amount

$ 27,037,841

21,219,922

22,986,618

11,163,702

22,427,602

Adjustment to Non-PEO NEO Compensation Footnote

The amounts reported represent the average amount of “compensation actually paid” to the NEOs as a group (excluding the PEO or PEOs for each year), as computed in accordance with Item 402(v) of Regulation S-K. In accordance with the requirements of Item 402(v) of Regulation S-K, the adjustments in the table below were made to the NEOs’ total compensation for 2025 to determine the compensation actually paid. Please refer to the Pay Versus Performance section in our proxy statement filed December 9, 2024 for a description of the adjustments for 2024 and the Pay Versus Performance section in our proxy statement filed December 7, 2023, for a description of the adjustments for 2023, 2022, and 2021.


			NEO Averages
			2025 ($)
Summary Compensation Table Total			14,546,017
Deduction for change in the Actuarial Present Values reported under the “Change in Pension Value and Non-qualified Deferred Compensation Earnings” Column of the SCT			(2,578)
Deduction for Amounts Reported under the “Stock Awards” Column in the SCT			(8,969,543)
Deduction for Amounts Reported under the “Option Awards” Column in the SCT			(2,187,494)
Total Deductions from SCT			(11,159,615)
Increase for Service Cost and Prior Service Cost for Pension Plans			–
Increase for change in Fair Value from prior year end to vesting date of awards that vested during the year			3,045,811
Increase for change in Fair Value from prior year end to current year end of awards granted prior to year that were outstanding and unvested as of year end			6,172,980
Increase for Fair Value as of vesting date of awards granted and vested during the year			–
Increase for Fair Value of awards as of year end granted during year that remain outstanding and unvested as of year end			14,432,648
Total Adjustments			23,651,439
Compensation Actually Paid (SCT minus deductions plus total adjustments)			27,037,841

Compensation Actually Paid vs. Total Shareholder Return

PEO (Ryan Mclnerney) Compensation Actually Paid

PEO (Alfred Kelly) Compensation Actually Paid

Non-PEO NEOs Average Compensation Actually Paid

Visa Total Shareholder Return

Peer Group Total Shareholder Return

Compensation Actually Paid vs. Net Income

Compensation Actually Paid vs. Net Income (M)


			PEO (Ryan McInerney) Compensation Actually Paid						PEO (Alfred Kelly) Compensation Actually Paid
			Non-PEO NEOs Average Compensation Actually Paid						Net Income (M)

Compensation Actually Paid vs. Company Selected Measure

Compensation Actually Paid vs. EPS - PS Adjusted


			PEO (Ryan McInerney) Compensation Actually Paid						PEO (Alfred Kelly) Compensation Actually Paid
			Non-PEO NEOs Average Compensation Actually Paid						EPS - PS Adjusted

Tabular List, Table

Financial Performance Measures

Performance share awards represent the largest component of our annual executive compensation program, with vesting determined based on EPS and relative TSR performance. In addition, as described under Compensation Discussion and Analysis – Annual Incentive Plan, our annual incentive scorecard design incentivizes our NEOs to focus on various performance goals that are critical to our corporate strategy, by promoting financial performance goals along with other priorities that are vital to the Company’s long-term success. This annual incentive plan design takes a holistic approach to the goal-setting process and does not apply specific weighting to the corporate performance goals in the annual incentive scorecard; the Compensation Committee carefully considers each goal in its overall evaluation of corporate performance.

Below, in an unranked order, are the most important financial performance measures used to link executive compensation actually paid to the NEOs to company performance for the fiscal year ended September 30, 2025:

EPS – PS adjusted

Net Income Growth – VIP adjusted

Net Revenue Growth – VIP adjusted


Relative TSR						EPS Growth – VIP adjusted

Total Shareholder Return Amount

112.05

$ 89.99

$ 117.24

$ 141.51

$ 176.94

Peer Group Total Shareholder Return Amount

159.13

$ 131.04

$ 146.42

$ 203.54

$ 245.77

Net Income (Loss)

$ 20,058,000,000

$ 19,743,000,000

$ 17,273,000,000

$ 14,957,000,000

$ 12,311,000,000

Company Selected Measure Amount

11.37

9.98

8.66

7.48

5.90

PEO Name

Kelly

McInerney

Kelly

Measure:: 1

Non-GAAP Measure Description

EPS – PS adjusted

Similar to the determination for our fiscal years ended September 30, 2023 and September 30, 2024, we determined EPS, as adjusted for purposes of performance share awards (EPS - PS adjusted), to be the most important financial performance measure used to link Company performance to Compensation Actually Paid to our PEOs and Non-PEO NEOs for our fiscal year ended September 30, 2025. See the Compensation Discussion and Analysis – Performance Shares – EPS Goals section of this proxy statement for a description of adjustments from GAAP EPS for purposes of performance share awards granted to the NEOs. EPS – PS adjusted may not have been the most important financial performance measure for 2022 and 2021, and we may determine a different financial performance measure to be the most important financial performance measure in future years.

Measure:: 2

Net Income Growth – VIP adjusted

Measure:: 3

Net Revenue Growth – VIP adjusted

Measure:: 4

Relative TSR

Measure:: 5

EPS Growth – VIP adjusted

Kelly [Member]

PEO Total Compensation Amount

$ 0

$ 29,722,432

$ 28,103,602

$ 30,944,838

PEO Actually Paid Compensation Amount

52,828,948

19,999,309

49,033,170

Mclnerney [Member]

PEO Total Compensation Amount

31,560,660

25,999,293

22,604,568

PEO Actually Paid Compensation Amount

55,819,305

$ 37,464,375

$ 37,908,528

$ 0

PEO | Mclnerney [Member] | Deduction for change in the Actuarial Present Values reported under the “Change in Pension Value and Non-‍qualified Deferred Compensation Earnings” Column of the Summary Compensation Table for FY 2025 [Member]

PEO | Mclnerney [Member] | Deduction for Amounts Reported under the “Stock Awards” Column in the SCT Member [Member]

(20,632)

PEO | Mclnerney [Member] | Deduction for Amounts Reported under the “Option Awards” Column in the SCT [Member]

(18,723,306)

PEO | Mclnerney [Member] | Total Deductions from SCT [Member]

(5,687,509)

PEO | Mclnerney [Member] | Increase for Service Cost and Prior Service Cost for Pension Plans [Member]

(24,431,447)

PEO | Mclnerney [Member] | Increase for change in Fair Value from prior year end to vesting date of awards that vested during the year [Member]

PEO | Mclnerney [Member] | Increase for change in Fair Value from prior year end to current year end of awards granted prior to year that were outstanding and unvested as of year end [Member]

6,761,821

PEO | Mclnerney [Member] | Increase for Fair Value as of vesting date of awards granted and vested during the year [Member]

11,048,135

PEO | Mclnerney [Member] | Increase for Fair Value of awards as of year end granted during year that remain outstanding and unvested as of year end [Member]

PEO | Mclnerney [Member] | Total Adjustments [Member]

30,880,136

Non-PEO NEO | Deduction for change in the Actuarial Present Values reported under the “Change in Pension Value and Non-‍qualified Deferred Compensation Earnings” Column of the Summary Compensation Table for FY 2025 [Member]

48,690,092

Non-PEO NEO | Deduction for Amounts Reported under the “Stock Awards” Column in the SCT Member [Member]

(2,578)

Non-PEO NEO | Deduction for Amounts Reported under the “Option Awards” Column in the SCT [Member]

(8,969,543)

Non-PEO NEO | Total Deductions from SCT [Member]

(2,187,494)

Non-PEO NEO | Increase for Service Cost and Prior Service Cost for Pension Plans [Member]

(11,159,615)

Non-PEO NEO | Increase for change in Fair Value from prior year end to vesting date of awards that vested during the year [Member]

Non-PEO NEO | Increase for change in Fair Value from prior year end to current year end of awards granted prior to year that were outstanding and unvested as of year end [Member]

3,045,811

Non-PEO NEO | Increase for Fair Value as of vesting date of awards granted and vested during the year [Member]

6,172,980

Non-PEO NEO | Increase for Fair Value of awards as of year end granted during year that remain outstanding and unvested as of year end [Member]

Non-PEO NEO | Total Adjustments [Member]

14,432,648